Variable

Characteristic

Coefficient = β

#Variable (v)

Intercept

−1.39845

Branch

CF

−0.21292

v1

CY

−1.27435

V2

GV

−0.66413

V3

JR

−0.42539

V4

OUA

−1.485

V5

PP

−0.64245

V6

RD

−0.06284

V7

CB

−0.55401

V8

CH

−1.13636

V9

DM

0.1043

V10

JM

−1.16115

V11

MB

−1.50126

V12

PG

−0.45969

V13

PV

−0.89793

V14

SM

−0.42613

V15

Marital status

Living with Partner

−0.47696

V16

Single

−0.20719

V17

Married

−0.6439

V18

Phone number

Two numbers and more

−0.77233

V19

Local residence type

Ownership with debt

−1.57365

V20

Paid ownership

0.08787

V21

Rent

0.43309

V22

With others

0.33447

V23

Awareness Sogesol

Information session

−0.92283

V24

Recommendation

−0.30732

V25

Segment visit

0.02489

V26

Other

−2.10276

V27

Credit experience

Yes

−0.53663

V28

Savings account Sogebank

Yes

−0.54762

V29

Origin of other incomes

Other enterprise

1.31072

V30

Remittance

0.70014

V31

None

1.70619

V32

Salary

1.46415

V33

Monthly Sales

[2500, 4000]

0.16314

V34